Please, I need advice
Hello,
Earlier this year my live in boyfriend decided to stop helping me pay the bills. We bought the house together, but it's in my name alone. He was taking his checks and just blowing them. We could barely get by on both our income combined, so when he stopped helping, I couldnt pay the bills. Our relationship was miserable so i left. I started renting a little house, scared and confused. I couldnt afford anything so I started using my credit cards. I basicly had to start all over. I didnt know how I was going to pay the debt back, but i didnt have a choice at the time. Now here I am a few months later with credit card bills pouring in and I just can not keep paying on them anymore. I need to file bankruptcy. I am afraid they will think I planned this whole thing, and never intended on paying on the credit cards. I am a 58 year old woman, who has always had very good credit. I hit a rough patch in my life and didnt know what to do. I dont have a car payment. I dont have any real assets. Im losing my house. My life seems like a whirlwind. Could someone just tell me If they think I will be OK to file bankruptcy. How long should I wait? I racked up all my debt about 3 months ago. I am afraid Im going to go to jail for fraud, when that was never my intentions. Someone please help, im scared.
Earlier this year my live in boyfriend decided to stop helping me pay the bills. We bought the house together, but it's in my name alone. He was taking his checks and just blowing them. We could barely get by on both our income combined, so when he stopped helping, I couldnt pay the bills. Our relationship was miserable so i left. I started renting a little house, scared and confused. I couldnt afford anything so I started using my credit cards. I basicly had to start all over. I didnt know how I was going to pay the debt back, but i didnt have a choice at the time. Now here I am a few months later with credit card bills pouring in and I just can not keep paying on them anymore. I need to file bankruptcy. I am afraid they will think I planned this whole thing, and never intended on paying on the credit cards. I am a 58 year old woman, who has always had very good credit. I hit a rough patch in my life and didnt know what to do. I dont have a car payment. I dont have any real assets. Im losing my house. My life seems like a whirlwind. Could someone just tell me If they think I will be OK to file bankruptcy. How long should I wait? I racked up all my debt about 3 months ago. I am afraid Im going to go to jail for fraud, when that was never my intentions. Someone please help, im scared.
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